Gavop's guide to buying homeowners insurance in Covington, VA covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Covington, VA - Neighbourhoods, Census Blocks & Streets | 2 Bedroom | 3 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| W Riverview Dr, S Greenlawn Ave, State Rte 18, S Church Ave, E Kline St, S Munford Ave, S Craig Ave, E Hemlock St, S Bethany Ave, S Hamilton Dr | $69,000 | $60,000 | $50,000-$75,000 | $58,500 | $50,000 | $50,000-$75,000 |
| S End Ave, S Acme Ave, W Locust St, E Scottland Rd, E Detroit St, W Merry Ln, S Patrick Ave, Totten Dr, S Rugby Ave, N Court Ave | $96,500 | $90,000 | $75,000-$100,000 | $107,000 | $100,000 | $100,000-$125,000 |
| N Magazine Ave, S Monroe Ave, E Gray St, S Carpenter Dr, E Carlton Dr, W Chestnut St, W Parklin Dr, S Gum Ave, S Circle Dr, E Fairlawn Dr | $85,500 | $70,000 | $75,000-$100,000 | $107,500 | $90,000 | $75,000-$100,000 |
| N Craig Ave, S Carolton Dr, S Maple Ave, Nichols Rd, S Smith Ave, S Marion Ave, E Hamilton Dr, N Augusta Ave, E Trout St, E Willow St | $89,500 | $70,000 | $75,000-$100,000 | $114,500 | $110,000 | $100,000-$125,000 |
| S Highland Ave, S Todd St, E Prospect St, N McDonald Ave, E Mallow Rd, S Massie Ave, W Phillip St, E Hawthorne St, S Fairlawn Dr, E Oak St | $49,500 | $50,000 | $50,000-$75,000 | $87,500 | $80,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$100 | $489 |
| Superior Protection Discount | -$53 | $536 |
| Fire & Security Discount | -$41 | $548 |
| Hail Resistant Roof Discount | -$12 | $577 |
| Newly Constructed Home Discount | -$159 | $430 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Craig Creek | $1,000 | $857 | $1,857 | $623 | $1,623 | $234 |
| Covington, VA | $2,500 | $582 | $3,082 | $423 | $2,923 | $159 |
| Walkers Creek, VA | $2,000 | $926 | $2,926 | $673 | $2,673 | $253 |
| Roanoke County, VA | $400 | $819 | $1,219 | $595 | $995 | $224 |
| Buena Vista, VA | $1,000 | $909 | $1,909 | $660 | $1,660 | $248 |
| Craigsville, VA | $300 | $628 | $928 | $457 | $757 | $172 |
| Elliston, VA | $200 | $584 | $784 | $424 | $624 | $160 |
| Highland County, VA | $300 | $695 | $995 | $505 | $805 | $190 |
| Home Insurance Company Covington, VA | Homeowners Insurance Agency Covington, VA | Address | Popularity Score | Distance from Covington (miles) |
|---|---|---|---|---|
| Allstate | Gerald E. Franson Insurance Agency Inc. | 101 N Maple Ave, Covington, VA, 24426 | 0.9 | |
| Allstate | Albert Vargas | 19423 Forest Rd, Lynchburg, VA, 24502 | 49.1 | |
| Travelers | Roanoke Insurance Agency | 2223 Crystal Spring Ave, Roanoke, VA, 24014 | 36.6 | |
| Erie | Nelles Insurance Solutions Inc. | 2225 Lakeside Drive Suite C, Lynchburg, VA, 24501 | 50.0 | |
| Allstate | Carrie Mattox | 3622 Old Forest Rd Ste A, Lynchburg, VA, 24501 | 49.3 | |
| Nationwide | Mitchell Agency Inc The | 4712 Brambleton Ave, Roanoke, VA, 24018-3403 | 38.6 | |
| Allstate | William Gillespie | 119 W Lee Ave, Vinton, VA, 24179 | 34.7 | |
| Liberty Mutual Independent | Trustpoint Insurance | 120 Roanoke Blvd, Salem, VA, 24153 | 33.8 | |
| State Farm | Chance Miller | 3555 Electric Rd Ste J, Roanoke, VA, 24018-4437 | 38.1 | |
| Farmers | Charles Shomo | 205 Church St Se Ste B, Blacksburg, VA, 24060 | 44.5 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Virginia | $255,800 | $952 | $690 | $1,350 | $660 |
| Craig Creek, VA | $198,100 | $867 | $630 | $1,220 | $590 |
| Covington, VA | $72,200 | $589 | $420 | $810 | $390 |
| Walkers Creek, VA | $244,000 | $937 | $630 | $1,330 | $700 |
| Roanoke County, VA | $192,100 | $829 | $600 | $1,180 | $580 |
| Buena Vista, VA | $111,700 | $920 | $660 | $1,320 | $660 |
| Craigsville, VA | $118,400 | $636 | $440 | $900 | $460 |
| Elliston, VA | $108,000 | $591 | $400 | $810 | $410 |
| Highland County, VA | $184,000 | $704 | $510 | $990 | $480 |